Sr Underwriter

Priority Technology Holdings, LLC•Alpharetta, GA

14d•$77,300 - $90,000•Remote

About The Position

As a Senior Underwriter, you will evaluate and manage the risk exposure of large, complex merchant accounts by analyzing financial statements, banking data, processing history, and credit reports. You will apply Card Brand underwriting rules across various processing relationships, including merchants, payment facilitators, and marketplaces, to ensure compliance and sound risk decisions. This role requires performing comprehensive financial reviews, spreading financials, and preparing detailed credit packages for internal and external approval. You will take full ownership of the credit decisioning process, balancing customer needs with organizational risk tolerance. You will also negotiate approval structures such as reserves and ACH delays to mitigate risk while supporting revenue growth. In addition, you will provide training and guidance to junior underwriters and sales partners.

Requirements

2-4-year College Degree with 5+ years of work experience in a related working field.
Excellent management, communication, interpersonal, organizational and leadership skills.
Ability to communicate effectively both written and verbal.
Attention to detail.
Excellent organizational skills.
Ability to work in fast paced environment.
Industry knowledge.
Identifies and resolves problems in a timely manner; able to handle a situation under pressure and find a solution; uses reason even when dealing with emotional topics.
Ability to receive and analyze data and input data into the computer.
Must be able to receive and understand instructions, and carry out those instructions.

Nice To Haves

Bank lending experience a plus.

Responsibilities

Own and manage the end-to-end credit and underwriting process for large, complex merchant accounts, making risk-based decisions in the best interest of both the organization and the customer.
Evaluate overall merchant risk exposure by assessing business models, transaction volumes, processing structures, and potential liabilities.
Ensure compliance with Card Brand underwriting rules and company policies across all card processing relationships, including Merchant, Payment Facilitator, and Marketplace models.
Perform comprehensive financial analysis, including full financial reviews and spreading of financial statements, to assess a merchant’s ability to support processing risk.
Analyze credit-related information such as banking data, processing history, and consumer and commercial credit reports to support underwriting decisions.
Prepare detailed and well-supported credit packages for review and approval by internal stakeholders and external partners.
Negotiate approval structures with merchants and partners, including reserves, ACH delays, and other risk-mitigation tools, to balance risk control and revenue growth.
Provide ongoing training, mentorship, and guidance to junior underwriters and merchant sales channels to enhance underwriting knowledge and consistency.